Take a look at this academic study, Beyond Health: Non-Health Risk and the Value of Disability Insurance by Manasi Deshpande of the University of Chicago and Lee M. Lockwood of the University of Virginia, and tell us what you make of it. They are asking the question "Should people who are 'less disabled' but still drawing Social Security disability benefits really be drawing some sort of 'welfare' benefit anyway because they're facing other serious stresses in their lives even if they're not all that disabled?"
My first question on looking at this study is "How did you determine who was less disabled but still drawing Social Security disability benefits?" As best I can tell they answered that question for their purposes with these four questions:
Severity (PSID)
(1) Do you have any physical or nervous condition that limits the type of work or the amount of work you can do?
- Yes
- No
- Can do nothing
(2) For work you can do, how much does it limit the amount of work you can do { a lot, somewhat, or just a little?
- A lot
- Somewhat
- Just a little
- Not at all
More-severe if \Yes" in (1) and \A lot" in (2), or \Can do nothing" in (1) Less-severe otherwise
Severity (SIPP)
(1) Does ... have a physical, mental, or other health condition that limits the kind or amount of work ... can do at a job or business?
- Yes
- No
(2) Does ... health or condition prevent ... from working at a job or business?
- Yes
- No
More-severe if \Yes" in both (1) and (2)
I find it amazing that two academics would premise a 101 page study on a base as inadequate as this. Disability determination is a hard, perhaps impossible, task. Determining degrees of disability based upon four question is laughable. These authors know a lot about statistics and other abstruse stuff but pretty much zip about disability determination.
I think the basic, unstated premise of this study is the assumption that many people drawing Social Security disability benefits aren't really that disabled. Exploring whether this assumption is a myth might be a better starting point for research that these authors had.